Welcome to WF lack of communication problems. I started with the same issue, I had a business slow down, clients who couldn't pay do to immediate job losses. I contacted WF with 1 payment behind but was going to be 2 payments behind Feb/March. They didn't take any info they sent me to their website to fill out some information a brief two sentence note on what had occured to cause late payments.
Well here I sit now July past 90days and the exec. office is still working on it. With little to no communication for 3wks.
I know some one else who got a forebearance, this had a time limit and didn't change their original loan at all it just made it so they could get caught up. Stopped foreclosure proceedings (saving $$$ you pay their lawyers) and it stopped late fees and reports on their credit report.
I don't get the your husband is working stuff, because I am still working and they haven't said that to me. But they have refused to accept any payments for all these months which is increasing my debt. They won't let me pay into my escrow to cover taxes and insurance.
If you don't like the way the exec person you have request a different one. Request a name of someone locally you can speak with at WF. I really don't like all this stuff being done over phone, fax, and computer with them. You can't get the feel on what's really going on.
Also email address to them is their first name.last
name@wellsfargo.com so lets say
Jim.Wagner@wellsfargo.com for example. This is not a real email address just the format they are using. So if you know the name 1st/last of the exec office worker send them an email. They are there to work with you and do a second review when things don't work out right the first time.
Another site that people here shared was
www.naca.org they help out with the mods when things get to bumpy.
Hope this helped a little, I know it's frustrating it's driving me crazy. I've thought about talking to a lawyer. Somethings not right here with the way they're handling this.